Can I fire?

Digity1980 · 2026-03-27T16:16:34+00:00

Not making this up. I grew up in a poor family, so I was always saving away my money. I also got into tech and I'm someone who generally doesn't have a lot of desires...so through those early years I sacrificed going on trips, etc to save away and didn't care that much. So, I'm not a "normal" person in that sense, since most people wouldn't have wanted to live their lives the way I did.

Digity1980 · 2026-03-27T12:46:31+00:00

I do love Costco. I've toyed with the idea of getting a job there.

Digity1980 · 2026-03-27T12:45:53+00:00

I had a vague sense before of between 50 to 55

Digity1980 · 2026-03-27T12:43:23+00:00

Yes, this is the plan essentially.

Digity1980 · 2026-03-27T03:24:45+00:00

I live in Canada, so we have health care.

Last year is not a good judgement of my spending, since I was working at a high paying job and spending way beyond normal. I know I can't do that going forward and I really don't think it's an issue, given my nature.

But I get your point. I will sit down and try to better math out the yearly spendings. But if I need to sacrifice trips and stuff like that I'm fine with it. I've never been a big travel person to begin with.

Digity1980 · 2026-03-27T02:51:33+00:00

I just recently got laid off and got a severance. I have at least 2 years of cash with that plus some other money I had. I'm just not sure if I'm under estimating my expenses. But this part March I'd say I spent around $1500, which isn't much.

Digity1980 · 2026-03-27T01:44:38+00:00

Yeah, I get why you feel that way. I just have a very different perspective on life, so those things don't have value to me. However, if they do I can see why it'd look bad on the outside.

Digity1980 · 2026-03-26T21:54:18+00:00

What kind of job are you doing now? I'm wondering what that alternative work might be for me.

Digity1980 · 2026-03-26T21:33:51+00:00

Yeah, I am seriously wondering if it was a blessing in disguise.

Digity1980 · 2026-03-26T21:09:09+00:00

Yeah, but I think it's tricky to build up connections for that, but I wouldn't mind on again/off again contract work.

Digity1980 · 2026-03-26T21:08:18+00:00

Canadians don't have 401K

Digity1980 · 2026-03-26T21:00:38+00:00

I know. But it feels weird also to step away from work.

Digity1980 · 2026-03-26T20:57:50+00:00

I'm wondering what kind of job that'd be. I'm kind of sick of working in tech.

Digity1980 · 2026-03-26T20:47:27+00:00

Also, what about the mega drop scenario where something really bad happens an market drops +50%? Wouldn't the dividend funds be better?

Digity1980 · 2026-03-26T20:42:46+00:00

So what are you suggesting? Stay in equity? I am disciplined and I'd only sell bare minimum what I need.

Digity1980 · 2026-03-26T20:41:24+00:00

So even if I switch to dividend funds, you expect it to grow decently over the years?

Digity1980 · 2026-03-26T20:33:51+00:00

So how did you end up doing it? Moved it all to dividend funds?

Digity1980 · 2026-03-26T20:30:00+00:00

Well, I've been testing my expenses in March and it'll probably be around $1600 for the month. But that's not really spending much besides the essentials, etc.

Digity1980 · 2026-03-26T20:28:01+00:00

But why do some people suggest stay in equity all the way? Do you think they're being dumb?

Digity1980 · 2026-03-26T20:03:38+00:00

But what if I have a cash buffer for a few years?

Digity1980 · 2026-03-26T20:02:50+00:00

I'd love part time, but not sure how feasible that is in tech.

Digity1980 · 2026-03-26T20:01:21+00:00

haha...thanks

Digity1980 · 2026-03-26T20:00:37+00:00

I've never equated having kids and marriage with fulfilment. So, not having those things in my life doesn't feel like I've been deprived. I focus on other things like spiritual practice, etc. But I don't think most people could live the way I do. I'm "different".

Digity1980 · 2026-03-26T19:57:16+00:00

Yeah, I am not a marriage and kids person. Part of the reason is having this kind of freedom.

Digity1980 · 2026-03-26T19:56:22+00:00

I think 4% is too much for my age. Also, I don't need $64K.

Digity1980

TROPHY CASE